Loan players in WL

On three occasions I lost WL games from winning positions in the last few mins of the game when my opponent subbed on Messi, Ronaldo & Mbappe loan cards. Like everyone else I have these free loan cards but feel having worked all year putting a decent team together so I can compete in WL these loan cards should not be allowed in WL. I only use them in Rivals or friendly’s. What’s the thoughts, should loan players be allowed in WL?

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